BlastPoint's Banking Scorecard
Herring Bank
Amarillo, TX
12 branches across TX · CO · OK
Herring Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 10.7% in tier
- + Revenue Diversifier: Top 23.1% in tier
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 32.0% in tier
- - Credit Quality Pressure: Bottom 48.8% in tier
- - Efficiency Ratio 25.32% above tier average
- - ROA 0.80% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$528.4M
+6.1% YoY
+8.4% QoQ
|
+$142.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$353.2M
+4.5% YoY
+0.5% QoQ
|
+$97.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$465.2M
+6.0% YoY
+9.6% QoQ
|
+$137.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
0.47%
+7.3% YoY
-52.3% QoQ
|
-0.80% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
5.71%
+6.8% YoY
-0.2% QoQ
|
+1.78% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 2.3% in tier |
| Efficiency Ratio ? |
90.61%
-3.7% YoY
+7.1% QoQ
|
+25.32% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate ? |
0.56%
+197.2% YoY
-3.6% QoQ
|
-0.32% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
75.91%
-1.4% YoY
-8.3% QoQ
|
-0.72% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
38.97%
+7.6% YoY
+1.3% QoQ
|
+16.95% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+196.6% YoY
-10.7% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
17.56%
+0.5% YoY
+2.1% QoQ
|
+1.73% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.55%
+1.2% YoY
-82.2% QoQ
|
+0.27% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 2.9% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.